Whether a contract had been formed involves multiple elements. Assuming you were represented by an attorney at the time, talk with her/him so she/he can provide you with counsel. Otherwise, we avvo attorneys are available.
MINNEAPOLIS/ST. PAUL/ST CLOUD/OUTLYING METRO. Do seek legal counsel for your personal legal issues and needs. This post is not legal advice and does not create an attorney-client relationship. This post is to be considered general information which may or may not apply to your personal situation.
Typically, once an offer has been extended and accepted, there should be additional movement on the terms of the settlement. With MN No Fault arbitrations, there are some additional expenses that may be owed to the American Arbitration Association, such as: if the arbitrator has been appointed, a $50 fee is owed; if the arbitration is scheduled to be heard w/in 24 hours of settlement, a $300 fee is owed. Sometimes these fees aren't discussed at the time of the settlement, which could change the end amount of money you receive.
If you are represented, contact your attorney about this issue. I you are not represented, contact a local personal injury attorney to discuss your options.
My Standard Disclaimer: this general information does not constitute legal advice, and does not establish an attorney-client relationship. Consult with an attorney regarding your specific situation prior to taking any actions or making any omissions.
Generally an attorney would have the authority to bind his client. Whether that is the case here is hard to say. You likely would be well served by retaining an attorney.
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The bigger issue is whether you should settle this no fault claim at all at this point. If you want to keep treating for your injuries (or if you think there is a chance that you will down the road) then you may want to think twice about settling the NF claim. You would typically be asked to execute a release of all future NF claims as part of a settlement - and you may need those benefits in the future. Perhaps the insurance company changing positions on the settlement offer will turn out to be for the best because it will give you the opportunity to reconsider settling the NF claim at all.
Even though a threshold is not met right now, I would encourage you to hire a personal injury attorney to handle both your NF dispute and the claim against the at fault driver. Since you will pay that attorney a percentage of what is recovered, you are not at risk for losing money by getting the assistance of a professional.